At maeriloxaviro, we collect information to provide better financial planning services and improve your experience with our budget calendar tools. We're transparent about what we collect and why.

Information You Provide Directly

When you sign up for our services or contact us, you might provide:

• Name, email address, and contact details
• Financial goals and budget preferences
• Payment information for subscription services
• Communications with our support team
• Feedback and survey responses

Information We Collect Automatically

Our systems automatically collect certain information when you use our website:

• IP address and location data (city/state level)
• Browser type and device information
• Pages visited and time spent on our site
• Referring websites and search terms
• Technical data like screen resolution and operating system

We use your information to deliver and improve our budget planning services. Here's specifically how:

Service Delivery

• Creating and managing your account
• Providing personalized budget calendar recommendations
• Processing payments and managing subscriptions
• Sending service-related notifications and updates
• Providing customer support and responding to inquiries

Service Improvement

• Analyzing usage patterns to enhance our tools
• Testing new features and functionality
• Conducting research on financial planning trends
• Improving website performance and user experience

Legal and Compliance

We may use your information to comply with legal obligations, protect our rights, prevent fraud, and maintain the security of our services.

We don't sell your personal information. We only share data in specific, limited circumstances:

Service Providers

We work with trusted third-party companies that help us operate our business:

• Payment processors for subscription billing
• Email service providers for communications
• Cloud hosting providers for data storage
• Analytics services for website improvement
• Customer support platforms

These providers can only use your information for the specific services they provide to us and must protect it according to our standards.

Legal Requirements

We may disclose information when required by law, such as responding to court orders, regulatory requests, or investigating potential fraud or security issues.

Business Transfers

If maeriloxaviro is acquired or merged with another company, your information may be transferred as part of that transaction. We'll notify you of any such changes.

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing your request.

We take protecting your information seriously and use multiple layers of security:

Technical Safeguards

• SSL encryption for all data transmission
• Encrypted storage of sensitive information
• Regular security audits and vulnerability testing
• Secure data centers with restricted access
• Regular backup procedures and disaster recovery plans

Administrative Controls

• Limited employee access to personal information
• Regular privacy training for staff members
• Background checks for employees handling sensitive data
• Clear data handling policies and procedures

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your login information confidential.

We keep your personal information only as long as necessary for the purposes we collected it:

Account Information

We retain your account details and preferences while your account is active. If you close your account, we'll delete most information within 90 days, though we may keep some records for legal or security purposes.

Financial Data

Budget and financial planning information is deleted within 30 days of account closure, unless you specifically request we retain it for tax or record-keeping purposes.

Communication Records

Customer support interactions and communications are kept for up to 3 years to help resolve any ongoing issues and improve our service quality.

Legal Requirements

Some information must be retained longer due to Australian taxation and business record requirements. This typically includes transaction records and payment information, which we keep for 7 years.

As an Australian-based company, we primarily store and process your information within Australia. However, some of our service providers operate internationally:

Cloud Services

We use cloud hosting services that may store data in multiple locations, including the United States and Europe. These providers maintain facilities that meet international security standards.

Safeguards

When your information is transferred internationally, we ensure:

• All transfers comply with Australian privacy law requirements
• Service providers maintain adequate privacy protections
• Contractual obligations require protection of your information
• Data is encrypted during transfer and storage

We use cookies and similar technologies to improve your experience and understand how our website is used:

Essential Cookies

These cookies are necessary for our website to function properly. They remember your login status and basic preferences.

Analytics Cookies

We use analytics cookies to understand how visitors use our site, which pages are most popular, and where we can make improvements. This information is aggregated and doesn't identify individual users.

Preference Cookies

These cookies remember your settings and preferences, like your time zone or display preferences for budget calendars.

Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality. Most browsers allow you to:

• View and delete existing cookies
• Block cookies from specific sites
• Block all cookies (not recommended)
• Get notifications when cookies are set

Our services are designed for adults managing personal or household finances. We don't knowingly collect personal information from children under 13 years of age.

If we discover we've accidentally collected information from a child under 13, we'll delete it immediately. If you're a parent or guardian and believe your child has provided personal information to us, please contact us right away.

For users between 13 and 18 years old, we recommend getting parental consent before using our services, especially those involving financial planning.

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll:

• Update the "Last Updated" date at the top of this policy
• Send email notifications to active users about important changes
• Post a notice on our website highlighting key updates
• For major changes, provide 30 days notice before implementation

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy changes indicates your acceptance of the updated terms.